MEMBERSHIP ONLY ACCESS

50% OFF annual membership to Next-Gen Advisors (<30 years old) and U.S. Veteran Advisors.

Next-Gen Advisor Growth

Next-Gen Career Center

Explore job openings and apply with ease through the Career Center. Tag potential future employers or platform providers for targeted career growth opportunities. Whether you're seeking your first role in the industry or aiming for a significant career move, our Career Center is your gateway to exciting possibilities.

Next-Gen Prospecting Guide

Access to lender-approved agreement templates for customization and digital signing. This collection of templates simplifies the documentation process, making it easier to draft, negotiate, and finalize agreements.strategies.

Intel Center

Access exclusive eBooks, guides, chatbot assistance, and specialized resources tailored to the unique needs and challenges faced by next-generation advisors entering the industry. Equip yourself with tools to elevate your practice and career trajectory.

Next-Gen Buyer’s Guide

Gain insights into M&A opportunities and strategies from the perspective of next-gen advisors. This guide offers clarity and direction for future growth and expansion in the industry, empowering you to make informed decisions that align with your career goals and aspirations. Embark on your growth journey with a well-rounded understanding of the inorganic growth landscape.

Next-Gen Lending Guide

Benefit from a lending guide customized for next-gen advisors of all backgrounds and sizes. Gain insights and support for financial planning and growth strategies tailored to your unique circumstances. Navigate the lending landscape with confidence and knowledge, ensuring your financial decisions support your long-term growth.

Advisor Portals

Connect with a diverse platform catering to Buyers, Sellers, Mergers, Continuity, Recruiters, Recruits, Vendors, and Lenders. This offers opportunities for networking, collaboration, and growth in the advisory space. Expand your professional network and leverage collaborative opportunities for substantial career advancement.

Next-Gen Specific Lending Myths

W2 NEXT-GEN ADVISOR CAN'T BUY ASSETS WITHOUT A DOWN PAYMENT

A 1099 next-gen advisor who qualifies for an SBA expansion loan can avoid a down payment. The W2 advisor can establish their new 1099 advisory business and do an expansion loan while maintaining W2 income. A W2 advisor whose loan does not qualify as an expansion loan can avoid a cash down payment if the seller does the 10% two-year standby note.

SUCCESSION THROUGH EQUITY IS THE ONLY WAY TO TRANSITION TO NEXT-GEN ADVISOR OVER TIME

It's one way but not the only way. Partial asset tranche sales and a converger plan where there is a structured buy-transition-buy model are two structured ways (with a lot of benefits) whereby a seller can sell to their internal or next-gen advisors over a defined period without convoluting equity shares and ownership.

SELLERS HAVE TO GUARANTY ANY NEXT-GEN LOAN

Being "next-gen" has nothing directly to do with a seller guarantying your loan. It's all about if the acquisition is an equity buy-in or a book, the ownership makeup after the sale, and the same fundamentals all other loans are judged by like cash flow, equity injection thresholds, and credit policy. There are no seller guaranty loan options.

SELLERS CAN ALWAYS GET A BETTER DEAL IF THEY SELL TO A PEER

Really? Full valuation price, 90% paid up front, and no clawback is a pretty strong offer out there. When selling to a qualified internal employee who has strong existing relationships with the clients, the seller would not usually have to finance more than 10% of the purchase price. And the only reason they need to do this is to get the buyer out of the 10% cash down payment requirement.

SELLERS HAVE TO FINANCE A BIG PORTION OF ANY NEXT-GEN LOAN

If the next-gen advisor is 1099 and owns a book then they could qualify for a complete or partial book acquisition without any seller financing required. If the W2 next-gen internal has 10% cash down payment then the same applies.

THERE IS NO WAY A $50K GDC ADVISOR CAN GET A $1M LOAN WITH NO DOWN PAYMENT OR SELLER FINANCING

Yes there is, maybe, most likely. If the advisor has 5+ years experience, a decent PFS, clean U4, great credit, and has a $50,000 recurring revenue book they own and receive 1099 compensation for, then yes this is possible through an SBA loan.